The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$59,119
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,958
−HK$1,868/mo
Today · 4.125%
HK$62,826
baseline
▲ 0.50% · 4.625%
HK$66,649
+HK$3,823/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,652/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,101,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,769
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,533
−HK$1,790/mo
Today · 4.125%
HK$69,323
baseline
▲ 0.50% · 4.625%
HK$72,977
+HK$3,654/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,646/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,101,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,943
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,150
−HK$2,242/mo
Today · 4.125%
HK$75,392
baseline
▲ 0.50% · 4.625%
HK$79,979
+HK$4,587/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$150,784/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,923
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,040
−HK$2,147/mo
Today · 4.125%
HK$83,187
baseline
▲ 0.50% · 4.625%
HK$87,572
+HK$4,385/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$166,374/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,767
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,341
−HK$2,616/mo
Today · 4.125%
HK$87,957
baseline
▲ 0.50% · 4.625%
HK$93,309
+HK$5,352/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,914/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,077
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,547
−HK$2,505/mo
Today · 4.125%
HK$97,052
baseline
▲ 0.50% · 4.625%
HK$102,168
+HK$5,116/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,104/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,415
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$109,725
−HK$3,363/mo
Today · 4.125%
HK$113,088
baseline
▲ 0.50% · 4.625%
HK$119,969
+HK$6,881/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,176/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,385
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$121,560
−HK$3,221/mo
Today · 4.125%
HK$124,781
baseline
▲ 0.50% · 4.625%
HK$131,358
+HK$6,577/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,562/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,879 · Scale 2, in force from 26 Feb 2026)